Q: Can a lien holder charge a foreclosure fee if property isn't in foreclosure?
I had a tax lien on my property, and the lien holder sent me a notice to pay within 30 days to avoid foreclosure. I paid before the deadline and have proof of the payment date, but the lien holder charged me a foreclosure fee anyway, which was added to the redemption amount at the tax office. The original notice didn't mention any fees, and I have not received any terms or agreements about fees. I haven't disputed the fee yet because I'm unsure of my rights. Is it legal for them to charge a foreclosure fee when the property was not in foreclosure?
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- Answered
A: No! That is not a valid charge. You need to consult an experienced mortgage foreclosure defense attorney and have the entire loan record. Good luck.
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